| 涉农信贷、农业保险与农村居民收入增长——基于资本流动视角的实证检验 |
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| 引用本文：陈 巍,蒋远胜.涉农信贷、农业保险与农村居民收入增长——基于资本流动视角的实证检验[J].财经理论与实践,2023,(1):26-33 |
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| 中文摘要:运用2014—2021年四川省面板数据，分别构建静态面板和动态面板选择系统，用GMM 方法对涉农信贷和农业保险与农村居民收入之间的作用机制进行分析，结果表明：农户参加储蓄对收入增长具有显著正向影响，申请贷款会在当期促进收入增长，后期因面临还款压力而使收入降低，参加农业保险通过增强风险意识和享受防灾服务而支持收入增长，获得农险赔款在短期内与收入负相关，但长期内可促进收入水平提升。 |
| 中文关键词:涉农信贷 农业保险 面板数据 GMM模型 |
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| Dynamic Research on Rural Credit, Agricultural Insurance and Rural Residents’ Income--An empirical test based on the perspective of capital flow |
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| Abstract:Based on the panel data of Sichuan province, this paper constructed a static panel model and a dynamic panel model respectively, and finally selects the systematic Generalized method of moments to make an empirical analysis of the mechanism of action between rural credit, agricultural insurance and farmers’ income. Results showed that the farmers’ participating in savings has significant positive effect on income growth, their loans will help income growth in the current and their loan repayment pressure will result in reducing their income; taking part in agricultural insurance will improve their risk consciousness and provide access to disaster service which support their income growth; and agriculture insurance indemnity will result in less income in the short term, but promote income level in the long term. |
| keywords:rural credit agricultural insurance panel data GMM model |
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